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  • Overview
  • Features And Benefits
  • Third-Party Goods Carrying Vehicle Insurance
  • Comprehensive Goods Carrying Vehicle Insurance
  • Calculate Premium
  • Save Premium
  • Renewal Benefits
  • IDV
  • NCB
  • Deductibles
  • Types of Goods Carrying Vehicle Insurance
  • Coverages
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  • Premium Components
  • Eligibility and Required Documents
  • Buy / Renew
  • Claim Process
  • Terminologies
  • Policy Download
  • FAQs
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Goods Carrying Vehicle Insurance Coverages

  • What is Covered?
  • What Not Covered?
01

Loss or Damage to your Vehicle

The policy covers you against any loss or damage caused to the vehicle due to the following natural and man-made calamities

02

Natural Calamities

Fire, explosion, self-ignition or lightning, typhoon, hurricane, earthquakes, floods, storms, tempest, inundation, cyclones, hailstorm, frost, landslides or rockslides

03

Man-made Disasters

Riots, strikes, malicious acts, terrorist activities, any violent activities are generally covered as man-made disasters

04

Accidental Damages

Burglary, theft, accidents by external means, any damage in transit by road, rails, inland waterways, lifts, elevators or air

05

Third-Party Personal Liability

The insurance policy provides unlimited coverages, i.e., whatever the court awards as your liability to the third-party due to accidental death or injuries caused by your vehicle

06

Third-Party Property Liability

In case your vehicle causes third-party property damage, the insurer will offer compensation up to Rs. 7,50,000/- for GCCV

01

Accident due to External Factors

Accidental loss or damage to the insured or any person driving with the knowledge and consent of the insured is under the influence of intoxicating liquor or drugs or wilful negligence

02

Vehicles Outside the Defined Territory

Loss or liability while the vehicle is used outside the scope of its limitations of use or being driven by a person not duly licensed

03

Other Accidental Losses

Consequential loss, Depreciation, wear and tear, mechanical and electrical breakdown/failure or breakages will not be covered by Shriram Car Insurance policy

04

Loss due to Nuclear/Radioactive Elements

Loss connected to nuclear or radioactivity or war and related activities is not covered under this policy


Frequently Asked Questions

What are the two types of goods carrying vehicle insurance policies?

  • Third-Party Liability Insurance
  • Comprehensive Insurance

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Mr. Khalil, your Executive was very coperative. the overall experience was very good. Thank you.

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Blogs

Smart Roof Racks and Car Storage Solutions for Adventure Enthusiasts

Smart Roof Racks and Car Storage Solutions for Adventure Enthusiasts

Posted on 2026-02-02 12:38:40

If you enjoy road trips, camping, cycling, or simply love escaping the city whenever possible, you would have noticed how carrying the right adventure gear can be a big challenge. Cabin space is limited, and it isn’t designed to accommodate bulky or oversized equipment, such as cycles or camping tents. It is where modern car storage solutions and smart roof racks can help. Since these systems can help you carry adventure gear safely and securely on the car’s roof, you don’t have to worry about stuffing gear into footwells or blocking rear visibility. Their versatile and sturdy design makes them the perfect choice for carrying a wide range of gear, which qualifies them as a timeless storage solution for everyone. This blog provides more information about these adventure gear storage and car storage solutions so you can decide whether you need them.

Ceramic Coating vs. Car Wax: What’s Better for Your Car?

Advantages of Ceramic Coating vs. Traditional Car Wax for Paint Protection

Posted on 2026-02-02 11:23:24

Applying traditional car wax to your car’s surface can make it look glossy, but would you use it knowing it would only last a few weeks or months? It’s a dilemma many car owners experience. While they want their cars to have superior gloss and shine, they also want long-lasting performance. This requirement prompted many car owners to switch to ceramic car coating. Unlike traditional car wax, ceramic coating doesn’t fade within a few months. If you hire a professional for a precise application, it can last several years and provide supreme, long-lasting protection. In this blog, we’ve shared a detailed analysis of ceramic coating vs. car wax to help car owners make an informed choice.

Upgrade Driver Experiences with Digital Instrument Clusters

How Digital Instrument Clusters Enhance Driver Experience

Posted on 2026-02-02 06:47:14

For most car owners, their vehicle’s dashboard is the main way the car ‘talks’ to them. In most old cars, this communication was limited. It only featured a speed needle, a fuel gauge, and a few warning lights that often appeared only when something was already wrong. Besides sharing limited information, it was also challenging to understand because drivers had to interpret needles and symbols while driving. Thankfully, these concerns have been fixed by digital instrument clusters. These clusters have transformed dashboards into a smart, easy-to-read display. It shows precisely what the driver needs when they need it, and in a way that’s easy to understand at a glance. Since digital instrument clusters present information visually and logically within the driver’s line of sight, driver experience becomes more controlled, less stressful, and far more reassuring. If you’re new to these clusters, this blog will help you understand their role in enhancing driver experience.

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IRDAI Consumer Education:- Insurance is the subject matter of solicitation. IRDAI Registration Number - 137. CIN No. U66010RJ2006PLC029979. BEWARE OF SPURIOUS PHONE CALLS AND FICTITIOUS/FRAUDULENT OFFERS. IRDAI clarifies to public that IRDAI or its officials do not involve in activities like sale of any kind of insurance or financial products nor invest premiums. IRDAI does not announce any bonus. Public receiving such phone calls are requested to lodge a police complaint along with details of phone call, number.

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